Tsabit
Vol. 3 No. 1 (2026): June Edition

Implementation of the Naïve Bayes Algorithm in Credit Card Approval Classification at Bank Central Asia (BCA)

Surya Lesmana (Universitas Muhammadiyah Sumatera Utara)
Firahmi Rizky (Universitas Muhammadiyah Sumatera Utara)



Article Info

Publish Date
14 Jul 2026

Abstract

Credit card approval is a financial facility that allows a person or business entity to borrow money to purchase products and repay it within a mutually agreed time. Researchers used a credit card approval dataset (Clean Data) of 200 data with 6 atributes. In conducting the analysis, researchers used the WEKA tools. In this study the author wants to classify the data to predict whether or not it is appropriate to grant a credit card. The method used is the Naïve Bayes Algorithm method. In this study, the data was split by 60:40, 70:30, and 80:20. The author also obtained different accurasy result, namely in the Weka data Testing tool 20% using the use Training Set obtained the highest accuracy of 87.68% compared to the lowest accuracy in the 30% testing data using the use Training Set, which is 80.60% The Naïve Bayes Algorithm can be said to be one of the effective Algorithm both in the terms of calculations and final results where the test can be used as a basis for credit card approval.

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Journal Info

Abbrev

tsabit

Publisher

Subject

Computer Science & IT

Description

Tsabit Journal of Computer Science is open to researchers and experts in the field of Computer Science. This journal functions as a forum for disclosing research results both conceptually and technically related to computer science. Tsabit journal of computer science is published twice a year, ...